There are several reasons why a hurricane damage claim could be denied. Understanding these reasons can help you avoid pitfalls and strengthen your claim.
Hurricanes can cause significant damage, often leaving homes uninhabitable. That’s why having hurricane insurance is so important. However, obtaining coverage might be more challenging than expected.
If your claim has been denied, a Louisiana hurricane damage lawyer can assist you. Continue reading to discover seven possible reasons why a hurricane damage claim might be denied.
Missed Premium Payments
One reason your homeowner’s insurance claim might be denied is due to missed premium payments. When you secure home insurance, you agree to pay a monthly premium to maintain coverage for accidents or emergencies. Failing to make these payments can result in losing access to coverage for damages.
If you don’t keep up with your premium payments, your insurance policy can lapse. This means you won’t be covered if something goes wrong, leaving you vulnerable in case of a disaster.
To avoid this issue, make sure your premium payments are always up-to-date. A Louisiana insurance claims lawyer can provide guidance if you’ve faced a denial due to missed payments.
Laborde Earles injury was great for me they took care of me very fast and professional. If for any reason I need legal help they will be who I use.
ClientFailure to Adhere to Deadlines
One of the main reasons hurricane insurance claims get denied is not filing within the required time frame. Each policy has different deadlines, so it’s important to review your policy promptly to understand your filing window. Some policies may allow less than two years to submit your claim.
Our attorneys emphasize the importance of understanding your policy’s specific deadlines. Acting quickly and staying informed can make a significant difference in the outcome of your claim.
Don’t delay in checking your policy’s deadlines. Our attorneys are here to help you understand your time limits and guide you through the process. Make sure your claim is filed within the allowed timeframe to avoid unnecessary denials.
I thank God for Digger & David. I don’t know what we would have done if it hadn’t have been for them.
Rick Smith | ClientPre-Existing Damage
Insurance providers might deny hurricane claims by arguing that the damage to your home existed before the storm. To prevent this, it’s helpful to have pictures of your home taken before the hurricane. These photos can serve as proof that the damage was caused by the storm.
If your insurance company claims that the hurricane didn’t cause the damage, it’s important to reach out to an insurance lawyer. Our attorneys can help you understand your options and advocate for your rights.
Being prepared with evidence and seeking legal advice can make a significant difference in making sure your claim is properly addressed. Our attorneys are here to support you through the process and help you get the assistance you need.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientImproperly Documenting Damages
Properly documenting damage is key to a successful hurricane insurance claim. If you don’t include comprehensive evidence of the damage, your claim might be denied. Make sure to have pictures, an itemized list of damages, and records of any temporary repairs.
Thorough documentation supports your claim and helps demonstrate the extent of the damage caused by the hurricane. This can significantly affect the outcome of your claim.
Our attorneys are here to assist you in preparing and submitting your claim. By working together, we can help you gather the necessary documentation to support your case and improve your chances of a favorable resolution.
They treated us like no other people would. Whenever we needed something they were there for us. I put my trust in them and I don’t regret it.
ClientNot Preventing Further Damage
Once the storm has passed, homeowners should take reasonable steps to prevent any additional damage. This could mean boarding up broken windows or covering a damaged roof with a tarp.
Remember to keep receipts and records of any repairs you make. Documenting these expenses is essential for your insurance claim.
Our team is ready to guide you through this process. Together, we can help you understand the necessary steps to protect your home and support your claim.
Not Preparing Your Home for a Hurricane
Surprisingly, hurricane insurance coverage can be denied if you haven’t taken adequate steps to prepare your home for the storm. Your insurance company might argue that proper preparations could have prevented the damage.
If your claim is denied due to a lack of preparation, it’s important to seek guidance from an insurance attorney. Our attorneys can help you understand your options and what steps to take next.
We are here to support you through this challenging process and make sure you get the help you need to address your claim.
Unfair Hurricane Insurance Claim Denials
Sometimes, hurricane insurance claims are denied for unfair reasons. While there are legitimate grounds for denying a claim, some insurers may act in bad faith, such as misrepresenting your policy to argue that your damage isn’t covered.
If you believe your claim was wrongfully denied or the reasons seem unjust, it’s essential to seek assistance. Our attorneys can help you understand your rights and explore your options for challenging the denial.
We are here to support you through this process, making sure you receive fair treatment and the assistance you need to address your claim.
Denied Hurricane Insurance Claim? We’re Here to Help
There are many reasons why hurricane insurance claims get denied, and the steps to take afterward depend on the specific reason for the denial. If your claim has been denied, it’s important to understand your next steps.
Reaching out to a Louisiane hurricane damage lawyer can help you work through the process and learn how to pursue the coverage you deserve. In cases of wrongful denial, our attorneys can assist you in filing a lawsuit against the insurance adjuster to fight for your rights.
Our attorneys are here to support you every step of the way, providing the guidance and assistance you need to address your claim and seek fair treatment.
Laborde Earles Can Help With Your Claim Denial
If you’re wondering, “Why would a hurricane damage claim be denied?” there are several potential reasons, from inadequate documentation to disputes over policy coverage. When faced with a denial, it’s important to seek legal assistance to understand your options and protect your rights.
Laborde Earles has a proven track record, winning over $1 billion for their clients. Their experienced attorneys can help you fight against unfair claim denials and work to secure the coverage you are owed.
Don’t face this challenge alone. Contact Laborde Earles to get the support you need and take the first step toward resolving your hurricane damage claim.
